Call reports 2004
WARREN-BOYNTON STATE BANK — 2004
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 88,176,000 | 88,678,000 | 88,295,000 | 90,163,000 |
| Total loans | 63,785,000 | 61,665,000 | 61,433,000 | 61,365,000 |
| Allowance for loan losses | 949,000 | 960,000 | 945,000 | 1,084,000 |
| Securities available for sale | 17,512,000 | 18,813,000 | 20,728,000 | 22,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,041,000 | 71,799,000 | 70,724,000 | 72,948,000 |
| Interest-bearing deposits | 62,927,000 | 64,027,000 | 63,317,000 | 64,607,000 |
| Noninterest-bearing deposits | 8,113,000 | 7,772,000 | 7,407,000 | 8,341,000 |
| Equity capital | 10,689,000 | 10,695,000 | 11,068,000 | 10,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,381,000 | 3,560,000 | 4,761,000 |
| Interest expense | 369,000 | 724,000 | 1,098,000 | 1,472,000 |
| Net interest income | 838,000 | 1,657,000 | 2,462,000 | 3,289,000 |
| Noninterest income | 93,000 | 218,000 | 341,000 | 481,000 |
| Noninterest expense | 532,000 | 1,131,000 | 1,728,000 | 2,567,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 186,000 |
| Pretax income | 396,000 | 738,000 | 1,070,000 | 1,022,000 |
| Income tax | 120,000 | 222,000 | 326,000 | 366,000 |
| Net income | 276,000 | 516,000 | 744,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,260,000 | 10,499,000 | 10,728,000 | 10,362,000 |
| Total capital | 11,097,000 | 11,339,000 | 11,570,000 | 11,216,000 |
| Risk-weighted assets | 66,884,000 | 67,040,000 | 67,293,000 | 68,082,000 |